Name: retireclarity
Author: retireclarity

Question 1

When should I claim Social Security?

Accepted Answer

The optimal claiming age depends on your life expectancy, other income sources, and spouse's benefits. Delaying from 62 to 70 increases your benefit by about 77%. Our calculator compares different claiming ages to show which strategy maximizes your lifetime income.

Question 2

Why does the Monte Carlo success rate change each time I run it?

Accepted Answer

Monte Carlo simulations use random sampling, so results vary slightly each run. With 1,000+ trials, the variation should be small (typically ±1-2%). Run more trials for more stable results.

Question 3

Should I aim for 100% success rate?

Accepted Answer

Not necessarily. A 100% success rate often means you're being overly conservative and may have a large unused balance at the end. Most financial planners consider 90-95% success rate a reasonable target.

Question 4

Why does the Roth optimizer sometimes lower my success rate?

Accepted Answer

Roth conversions require paying taxes now, which reduces your portfolio balance in early retirement, making you more vulnerable to poor early market returns (sequence-of-returns risk). The tax savings come later.

Question 5

Is my data private?

Accepted Answer

Yes, 100%. retireclarity runs entirely in your browser. No data is sent to any server. Your inputs are saved in your browser's localStorage and never leave your device.

Question 6

Does this replace a financial advisor?

Accepted Answer

This tool is for educational and planning purposes. For significant financial decisions, consider consulting a fee-only fiduciary financial planner who can review your complete financial situation.

Roth Conversion Planner

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